first, apologies: I’m not in Switzerland so my understanding is limited - but I do have decent understanding of the FIRE/mustachian philosophy (and am (trying) to set it up for myself).
My questions are rather on behalf of my mother, age 65, who lives in Switzerland.
She has ~250,000 CHF of “flexible” cash to play with. So her timescale is very different from most of what I see here. She doesn’t need to begin drawing that down from that now, but may want to begin in the next few years.
- If she were based in UK, I would likely advocate something like the Vanguard target retirement funds or LifeStrategy.
- I saw on moneyland.ch that she can get a savings account with a 0.5% return.
Here in the forum and on the blog, I have seem mentions on 3A (I think she is too old for that), Swisscanto and VZ. Because she lives in Swiss Francs and the world stock market currencies are a bit crazy these days, I feel that she it would be too risky to rely heavily on a world index tracker.
- Is there a low risk “all-in-one” fund along the lines of e.g. 20% Swiss Stock, 80% swiss bonds thing that you feel would be relevant?
I’m happy to hear anything you might have to say. Thanks